http://www.socialsecurity.gov/OP_Home/c ... 4-0335.htm(c) You are at least 60 years old; or you are at least 50 years old and have a disability as defined in § 404.1505 and you meet all of the conditions in paragraphs (c)(1) through (4) of this section:
http://www.socialsecurity.gov/pubs/10007.pdfIf you receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes, your Social Security spouse’s or widow’s or widower’s benefits may be reduced.
Your Social Security benefits will be reduced by two-thirds of your government pension. In other words, if you get a monthly civil service pension of $600, two-thirds of that, or $400, must be deducted from your Social Security benefits. For example, if you are eligible for a $500 spouse’s, widow’s or widower’s benefit from Social Security, you will receive $100 per month from Social Security ($500 – $400 = $100).
pshonore wrote:Good strategy; however it can be tough to get the facts straight. My wife is retired teacher whose pension is made up of three pieces; 1. typical benefit (x% per yr X Yrs of service X avg salary for last 3 yrs, etc) 2. A separate anuity portion purchased with her funds at retirement, and 3. An annual COLA (equal to SS COLA). So how much is her pension? I would say the total, yet most of her documents only refer to the first piece as her "pension" and I think any official document from the Pension Board might also use that number. Of course her 1099R shows the total. How would SS treat that?
pshonore wrote:I believe funds can come from taxable or separate retirement funds. If taxable, it increases "investment in contract" and makes a small portion of it non-taxable, as do her after tax contributions made during teaching career. That raises another question. Is the non-taxable portion reported on her 1099R part of her "pension" for GPO purposes?
sscritic wrote:I agree with nisiprius that most of the staff want to be helpful, but that doesn't mean they will always get things right. The correct strategy is the one recommended to lawyers at trial: never ask a question for which you do not already know the answer. Get your facts lined up; come back here with the facts; get references to the Code of Federal Regulations or other official social security material that answers your question; print them out; and take them with you to the meeting.
Note: if the materials show that you are not entitled, don't take them with you, tuck them in the bottom desk drawer. Maybe the staff at social security won't get things right and give you the money anyway.
PreserveCapital wrote:sscritic wrote:Note: if the materials show that you are not entitled, don't take them with you, tuck them in the bottom desk drawer. Maybe the staff at social security won't get things right and give you the money anyway.
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